Side-by-side · Q2 2026 data
Common Trust Federal Credit Union vs Watertown Municipal Credit Union
Credit union
Common Trust Federal Credit Union
Woburn, Massachusetts · $100 million – $1 billion
Credit union
Watertown Municipal Credit Union
Watertown, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Common Trust Federal Credit Union | Watertown Municipal Credit Union |
|---|---|---|
| TellerScore | 68 | 91 (stronger) |
| Capital cushion | 45 | 100 (stronger) |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 26 | 53 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 45th | 90th |
| Total assets | $100.8M | $9.7M |
| Deposits / shares | $93.7M | $6.0M |
| Capital ratio | 9.47% | 36.86% (stronger) |
| Problem loans | 0.05% | 0.00% (stronger) |
| Net charge-offs | 0.34% | 0.00% (stronger) |
| Return on assets | 0.16% | 0.82% (stronger) |
| Loans ÷ deposits | 45.4% (stronger) | 52.1% |
| Uninsured deposits | 4.1% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Watertown Municipal Credit Union has the higher TellerScore (91 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Common Trust Federal Credit Union leads on 1 and Watertown Municipal Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.